Should I get a miles credit card?

You should definitely get one if you travel a lot, whether for business or pleasure, as such credit cards are typically set up to reward frequent flyers, making it easy to rack up miles or points with overseas spending and (in some cases) spending with travel-related merchants and on airlines. However, note that air miles credit cards usually have higher income requirements, so it might not be a suitable entry-level card.

How do I earn a free air ticket as quickly as possible?

Base earn rates are typically rather low, so it does take a while to earn sufficient miles for a trip if you use it for small transactions like grocery shopping. For local spending, a large purchase would get you a lot closer to your next getaway. You can also rack up the miles a lot more quickly if you use your credit card while travelling, since many cards offer better earn rates for overseas transactions. Also, make full use of the bonus miles offered in tandem with partner merchants.

What’s the difference between KrisFlyer Miles, Asia Miles, etc.?

The confusing thing about miles credit cards is that they use different programmes to let you accumulate points. There is no one universal air miles account, so banks often use their own proprietary point systems (like Citi Miles), which you will need to familiarize yourself with. Certain cards credit miles directly into an established frequent flyer programme like Singapore Airlines’ KrisFlyer, which eliminates the hassle of conversion.

Citi PremierMiles vs UOB PRVI Miles vs DBS Altitude: Which is best?

Finding the best air miles credit card is quite subjective. Why? Because it really depends on what you’re looking for. If you like access to airport lounges and miles that don’t expire, go for Citi PremierMiles. However, they don’t offer the best miles earning rate. Now, if you’re an overseas spender, you might want to consider UOB PRVI Miles because you can get 2.4 miles per dollar spent overseas. With DBS Altitude card, you get higher miles earning power than as Citi PremierMiles, as you can get 5 miles for travel-related expenses such hotel and flight bookings.

How to redeem KrisFlyer miles?

Before you can redeem KrisFlyer miles, you should sign up for KrisFlyer membership. Then, convert your reward points. Remember to take note of the expiry date, denominations, conversion fee and lead time. For the actual redemption, choose from Star Alliance airlines and SQ partner airlines. Take note, your flight won’t be 100% free. You need to shoulder taxes and miscellaneous charges.

Can miles be transferred between airlines?

You can only transfer miles between partner airlines. If you have Citi PremierMiles, your options are wider – KrisFlyer, Asia Miles, Qantas and others.

Do I need to pay any fees for my air miles credit card?

Most credit cards including airline-specific cards charge annual fees which are usually for the convenience of using the card to make your purchases as well the administrative costs of maintaining your credit card account. You often get a free credit card replacement if your card is lost or stolen, or if it’s damaged and you need a new one. All these costs add up and your annual fee is what goes into paying for them. Another fee to note is the conversion fee.

What are conversion fees for air miles credit cards?

Conversion fees are charges for converting the miles on your card into miles with a frequent flyer program. Several cards like Citi PremierMiles Card and UOB PRVI Miles Card have a conversion fee of $25 per conversion while other cards charge different rates. Most credit cards are linked to more than just one frequent flyer program, so you’ll get to pick from a wider range of countries to travel to.

Which credit cards offer miles with no expiry?

Some of the credit cards that offer miles with no expiry date include Citi PremierMiles Card, DBS Altitude Visa Signature Card, and OCBC 90°N Card.

Best Air Miles Credit Cards Singapore 2023

We found 21 Credit Cards for you!

MoneySmart Exclusive

Convenience & Perks for Frequent Flyers

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Local Spend: S$1 = 1.2 Miles
Overseas Spend: S$1 = 2 Miles
on Eligible Grab transaction, capped at $200 per month: S$1 = 3.2 Miles

Get up to 21,500 worth of KrisFlyer Miles (worth a return trip to Bali or 1-way trip to Perth/Darwin via Singapore Airlines) from Amex when you apply. Min. spends of S$1,000 within first month of card approval and payable annual fee required. T&Cs Apply.

Valid until 03 Apr 2023 - See more details below

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Best For	Earn Rate	Annual Fee
Miles that don’t expire: Citi PremierMiles Card	2 miles for every $1 spent on foreign currency spending 1.2 miles for every $1 spent locally	$192.60
Miles that don’t expire: DBS Altitude Visa Signature Card	5 miles for every $1 spent on online flight and hotel transactions 5 miles for every $1 spent overseas (at point of sale) 2 miles for online spending and 1.2 miles for every $1 spent locally	$192.60
Miles that don’t expire: OCBC 90°N Card	2 miles for every $1 spent on foreign currency spending 1 mile for every $1 spent locally	$193
KrisFlyer Miles for frequent flyers: Amex KrisFlyer Card	2 miles for every $1 spent on foreign currency spending 1.1 miles for every $1 spent locally 3.1 miles for every $1 spent on Grab locally (up to $200 per month)	$176.55
Everyday local spending: UOB KrisFlyer Card	3 KrisFlyer miles for every $1 spent on dining, online shopping, online travel and transport (minimum $500 spent per year on Singapore Airlines-related transactions, including KrisShop)	$192.60
Everyday local spending: Maybank Horizon Card	3.2 miles for every $1 spent on restaurant dining, petrol, public transport locally (minimum $300 spent per month) 2 miles for every $1 spent overseas on air tickets, travel packages and foreign currency transactions	$180
Highest mile per dollar spend ratio: UOB PRVI Miles Card	2.4 miles per $1 spent overseas 1.4 miles per $1 spend locally 6 miles per $1 spent on Agoda, Expedia and UOB Travel	$257

Compare the Best Air Miles Credit Cards in Singapore 2023

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American Express Singapore Airlines KrisFlyer Ascend Credit Card

HSBC Revolution Credit Card

KrisFlyer UOB Credit Card

DBS Vantage Visa Infinite Card

DBS Altitude Visa Signature Card

UOB PRVI MASTERCARD Miles Card

HSBC Visa Infinite Credit Card

DBS Woman's World Card

UOB PRVI Miles American Express Card

UOB PRVI VISA Miles Card

OCBC 90°N Card

Maybank Horizon Visa Signature

American Express The Platinum Card®

Citi PremierMiles Card

DBS Altitude American Express Card

BOC Elite Miles World Mastercard®

UOB Lady's Card

Citi Lazada Credit Card

Standard Chartered X Card

OCBC 90°N Visa Card

Best Air Miles Credit Cards 2022

Which is the Best Credit Card For Air Miles in Singapore?

What is an Air Miles Credit Card?

How to pick the best air miles card

Miles Earn Rate

Miles Redemption Programmes

Frequent flyer programme T&Cs

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Conversion fees

Lifespan of earned miles

Try MoneySmart’s new KrisFlyer miles calculator

Pros & Cons of an Air Miles Credit Card

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Best Credit Cards For Air Miles vs Cashback vs Rewards

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Ways to earn Air Miles

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Tap on the benefits of multiple air miles credit cards

Convert your Reward Points to air miles

Frequently Asked Questions